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have helped us. >> i don't know that a lot of people give it that much thought. >> reporter: jessica anderson at kippinger's personal finance is a pet owner herself who bought pet insurance, but warns, do your research before you buy. >> you want to read every policy that you're considering really carefully. >> reporter: first thing to know, pet insurance will cost about $20 to $50 per month, depending on what options you choose. the higher the maximum payout, the pricier the premium. here's how it works. you pay your vet bill up front and submit it to the insurance for reimbursement. some insurance companies pay a percentage of the vet bill. and you need to know about the deductibles. >> make sure you look at how they treat the deductibles. they can be per visit, it can be per incident, which is different. >> reporter: what will pet insurance cover? >> most of the policies are illness and accident related. >> reporter: preexisting conditions and hereditary disorders are usually not covered. plans that do offer that coverage cost more. if you decide against complete pet insurance, th
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